Verified Job
Accounting - Finance
Specialist Credit Portfolio Management
Accounting - Finance
#329128
Remote / WFH
Job Description
Business Function
Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
Job Purpose
• Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolios
• Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards
Key Accountabilities
• Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks due to macro-economic and regulatory changes.
• Forward-looking risk identification and management across different risk types.
• Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations etc
• Provide management and regulatory reporting and commentary on portfolio performance and key trends
• Support Credit Digitalisation projects
Job Duties & responsibilities
• Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
• Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.
• Identify opportunities/ gaps to improve data quality and existing reporting processes
• Apply analytics and data mining techniques using credit data and alternative data sources to monitor portfolio performances based on established portfolio triggers
• Present MIS & data in required formats which are visual, universally understandable or easy to interpret ().
• Analyse portfolio performance to assess risks and opportunities to maximize product profitability.
• Conduct portfolio stress testing to establish portfolio risk tolerance.
• Establish credit methodology to derive customer level income and max indicative secured credit limit using banking and credit bureau data.
• Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.
Experience
At least 5-7 years of relevant experience in financial sector or relevant working experience in statistics, data analytics and/ or project management
Education / Preferred Qualifications
• Degree holder, preferably in risk management/ quantitative discipline
• Knowledge of Python programming together with Knowledge of Visualisation tools such as Tableau with strong command of Microsoft Office (Word, Excel, Powerpoint & Access).
• Good understanding and knowledge of credit cycle management in a consumer credit environment preferred.
Work Relationship
• Team-player with good inter-personal, communication & writing skills.
• Meticulous with strong analytical and problem-solving skills.
• Seek to understand stakeholder's point of view and find win-win solution.
• Motivated and self-driven
Risk Management Group works closely with our business partners to manage the bank's risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure
Job Purpose
• Support sound credit risk management and achieve optimal level of risk-reward balance for CBG portfolios
• Cultivate & maintain a consistent consumer credit culture in the Bank to ensure compliance with internal controls and regulatory standards
Key Accountabilities
• Perform portfolio analysis, monitor portfolio performance and proactively manage emerging risks due to macro-economic and regulatory changes.
• Forward-looking risk identification and management across different risk types.
• Engage proactively with stakeholders from Business, Business Analytics, Credit Strategy, Credit Approval, Technology, Operations etc
• Provide management and regulatory reporting and commentary on portfolio performance and key trends
• Support Credit Digitalisation projects
Job Duties & responsibilities
• Perform regular and ad-hoc risk reporting to consumer credit management/ line of business stakeholders and MIS preparation for regulatory reporting.
• Run and produce MIS for reporting on risk exposures and metrics to enable informed and strategic decision-making.
• Identify opportunities/ gaps to improve data quality and existing reporting processes
• Apply analytics and data mining techniques using credit data and alternative data sources to monitor portfolio performances based on established portfolio triggers
• Present MIS & data in required formats which are visual, universally understandable or easy to interpret ().
• Analyse portfolio performance to assess risks and opportunities to maximize product profitability.
• Conduct portfolio stress testing to establish portfolio risk tolerance.
• Establish credit methodology to derive customer level income and max indicative secured credit limit using banking and credit bureau data.
• Provide UAT support for any data migration or MIS platform enhancement to ensure successful implementation.
Experience
At least 5-7 years of relevant experience in financial sector or relevant working experience in statistics, data analytics and/ or project management
Education / Preferred Qualifications
• Degree holder, preferably in risk management/ quantitative discipline
• Knowledge of Python programming together with Knowledge of Visualisation tools such as Tableau with strong command of Microsoft Office (Word, Excel, Powerpoint & Access).
• Good understanding and knowledge of credit cycle management in a consumer credit environment preferred.
Work Relationship
• Team-player with good inter-personal, communication & writing skills.
• Meticulous with strong analytical and problem-solving skills.
• Seek to understand stakeholder's point of view and find win-win solution.
• Motivated and self-driven
